Get a business account for freelancers

Simplify your freelancing with a local IBAN, convenient invoicing, and accounting tools – all completely free

Open a free account

The easiest financial tool for freelancers

  • No hidden cost

    Use our Solo plan for free – it’s €0 per month

  • Easy Invoicing

    Create and send professional invoices in seconds

  • Expense tracking

    Categorize and track your expenses automatically

  • Customer support

    Chat with our team in your language, 7 days a week

Tools to make your life easier

Top-notch features to help you compete with big players

Business account

A €0 Solo plan for freelancers with a local IBAN

Invoicing and payments

Clear, convenient, professional invoices ready in seconds

  • Ready-to-use invoice templates
  • One-click payment link in every invoice you send
  • Notifications about overdue invoices

Tax management

Managing your taxes can be easy. Let us show you how

  • Store your receipts and invoices securely
  • Upload your documents automatically
  • Enjoy our accounting and bookkeeping integrations

Free physical
& virtual cards

Separate the personal and the professional,
and stay on top of your spending

  • Issue as many cards as you need
  • Set individual limits for each card
  • Block any card in an instant if needed
  • Get Apple Pay & Google Pay
Open account

Bookkeeping and expenses
manage like a boss

Optimize finances – transactions being automapped with invoices
and receipts in accounting ready data

Store documents in Finom to simplify paperwork

Be it receipt, invoice or any other important document – collect it in Finom secure storage in several clicks

Digitalize documents

Extract data from receipt or any other document with auto-recognition feature

Categorize expenses

Track and categorize expenses online. Control where you spend more and reduce costs month-by-month

Get started in a couple of clicks

via smartphone or desktop

  1. Sign up in a few minutes
  2. Let us verify your data
  3. Get your account ready to use
Open now

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

-20%

Price

Solo

0 €0 €

Start

14 €17 €

/month (excl. VAT)

you save 36 €

One month free, cancel anytime

Premium

34 €40 €

/month (excl. VAT)

you save 72 €

One month free, cancel anytime

Users included

1

2

5

Cashback

0 %

2 %

3 %

Access to Business Platform

Accounting integrations

All transactions history in smart dashboards

Real-time notifications

Multi-Companies

Number of connected banks and payment service provider

Mobile app (iOS & Android)

99% guaranteed uptime SLA

Role and user management

Accountant access

Manual access to wallets for team members

Visual analytics of income and expenses

Dark theme

Meet our 100,000+ customers

Read real, authentic reviews

  • Ergonomic platform, very clear to create your company.

    Alexander

  • Everything is well thought out and super simple to use. I highly recommend Finom, especially if you're just starting out.

    Maria

  • Responsiveness, ease of use, prices lower than the market. It's great to have a tool like this available for a small business.

    Peter

  • Finom is 10 times better and more modern than comparable platforms, the price is very reasonable. I've never experienced such a smooth integration process when opening an account.

    Christina

  • Opening an account is easy. We stay constantly informed of account access and activity, with 2-factor authentication. I'm really satisfied with the service!

    Philip

  • Everything is clear, with no hidden costs, and with a great team on hand to do everything they can to support you! The app is very user-friendly with lots of possibilities.

    Anna

Customer support, providing real-time care

  • Dedicated phone or video support

  • Response time less than 1 minute

  • Interactive Help Center available 24 hours

    24/7

Contact us on e-mail: [email protected]

Help your business grow

Find the right Finom plan for your company

Try now

FAQ

  • What is Finom?

    Finom is a European fintech company built for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe. We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we combined all these different financial services, such as accounting, financial management, and a business account, into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy our features’ advantages via our mobile and web apps.
  • Does your support team speak my language?

    Of course! Our customer care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won’t be a barrier when you need assistance.
  • Do I get a French IBAN?

    Yes, you will! Finom has a license that allows customers to receive a French IBAN.
  • How safe is my money with Finom?

    Your money is in safe hands because we strive to provide a high level of security to protect it:

    • With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction.
    • Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity.
    • Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud.
    • The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls.

    For accounts operating under Finom’s own licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., i.e. Safeguarding your account via Finom Payments B.V.:

    • When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account.
    • It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else.
    • We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds.
    • We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk.
    • Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB. For more information, please refer to the Terms of Finom Payments.

    For accounts operating under Solaris licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE and not PNL Fintech B.V. For more information, please refer to the Terms of Solaris SE.

  • Is my data safe with Finom?

    Finom protects your data and guarantees the highest level of security: Finom has no access to your online banking credentials, and they are double-encrypted (for additional protection) using passkeys or a one-time password that must be entered each time you try to log in). All data transfers are transmitted over TLS-encrypted channels and are thereby protected via end-to-end encryption. We do not store your personal data against your will or without your explicit consent, Finom is GDPR (DSGVO for Germany and RGPD for France) compliant, which means that you can revoke your consent to the processing of your personal data at any time. Finom Privacy Policy regulates the processing of your personal data.
  • Under which license does Finom operate?

    PNL Fintech B.V. (Finom) is a cooperating partner of a tech company with a full German banking license Solaris SE (Germany) and an agent of a licensed electronic money institution Finom Payments B.V. (the Netherlands, Belgium, Spain, France, Italy, and other EEA countries). Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB), to operate in the European Union (EU) and the European Economic Area (EEA).
  • Who is the legal representative?

    To open your Finom business account, you must be your company’s legal representative. A legal representative is a natural person who is authorized to act on behalf of the company and is empowered to perform all actions related to the general administration of the company under the company's purpose, such as a CEO.
  • Which legal forms does Finom support in France?

    Currently, we accept French companies with the following legal forms:
    • Profession libérale
    • Micro-enterprise (EI, EIRL)
    • Entreprise Individuelle à responsabilité limitée (EIRL)
    • Entreprise Individuelle (EI)
    • Association (any type)
    • Société Civile (SC)
    • Société en nom collectif (SNC)
    • Société par actions simplifiée (SAS)
    • Société par actions simplifiée unipersonnelle (SASU)
    • Société à responsabilité limitée (SARL)
    • Entreprise unipersonnelle à responsabilité limitée (EURL)
    • Société Civile Professionnelle (SCP)
    • Société exercice libéral (SEL)
    • Société anonyme (SA)
  • What documents do I need to open an account?

    Whether you are a freelancer or a company, it will only take a few minutes to open your Finom business account.

    If your company is based in France you will need:

    • Your SIRET number
    • KBIS (not older than 3 months) – according to French regulations. An extract from the commercial registry of France with a summary of the company. This can be obtained online.
    • Les Statuts – Articles of Association: a document that forms the company's constitution and defines the responsibilities of the directors, the kind of business to be undertaken and the means by which the shareholders exert control over the board of directors.
    • Valid ID of the legal representative.

    If you're a freelancer:

    • Your SIRET number
    • Avis SIRENE
    • Valid ID.
  • As a US citizen, can I open an account for my business operating in the EU, and is FATCA compliance required?

    Yes, US citizens are eligible to open a Finom business account for their enterprises established in the EU. Unlike traditional banks, Finom, as a licensed electronic money institution authorized to operate in the European Union (EU) and the European Economic Area (EEA), doesn’t require FATCA (Foreign Account Tax Compliance Act) compliance for opening accounts. We strive to provide financial services to all individuals legally running their businesses in the EU, ensuring compliance with relevant regulations governing our operations. Therefore, US citizens can confidently engage with our platform without needing FATCA documentation.
  • How can I withdraw funds from my account or make deposits into it?

    A Finom Business Account has all the main services of a traditional bank, such as making withdrawals from the account and depositing funds into it. You can use a SEPA transfer from your other bank account to deposit into an account. To withdraw, you can use your physical Finom card at any European ATM, free amount to withdraw per month depends on your chosen plan.
  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?

    Yes, Finom allows you to send payments within the SEPA zone as well as international payments worldwide